Hazina SACCO is a Tier-1 Deposit-Taking SACCO in Kenya that is registered by SASRA. Established in 1971, the society initially operated under the common bond of the Ministry of Energy, Regional Development, and Science & Technology. Over the decades, it amended its bylaws to open its membership to all government ministries, state corporations, county governments, private sector employees, and micro-, small-, and medium-sized enterprises (MSMEs).
Hazina is recognized as one of the most stable and efficiently managed cooperatives in the country, boasting an expansive membership base and a multi-billion shilling asset portfolio. It is fully licensed and regulated by the SACCO Societies Regulatory Authority (SASRA).
Hazina SACCO’s Membership Portal: https://memberportal.hazinasacco.or.ke:8084/
Hazina SACCO’s Quick Facts
| SACCO Official Name | Hazina Sacco |
| Primary Target Sector | Civil Servants |
| Head Office | Nairobi |
| County | Nairobi |
| Postal Address | P.O. Box 59877-00200 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 16.87 |
| Total Deposits (Ksh B) | 12.47 |
Hazina SACCO’s Key Information
💡 Paybill Routing Hint: When sending funds via Paybill 850436, the account format relies on your National ID Number + a 3-letter product shortcode. For example, use
12345678DEPfor BOSA deposit contributions,12345678NOMfor a Normal Loan payment, or12345678WEFfor the welfare fund.
Hazina SACCO’s Core Products & Services
Hazina manages its operations using the dual framework of Back Office (BOSA) accumulation schemes and Front Office (FOSA) direct commercial facilities.
1. BOSA Products (Development & Credit)
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Normal / Development Loan: Granted up to 3 times a member’s accumulated BOSA deposits, offering flexible long-term repayment timelines.
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Super Loan: Designed for intensive capital outlays such as major land purchasing or commercial building setups, carrying higher ceilings and longer repayment periods.
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School Fees & Emergency Loans: Rapid-turnaround facilities structured to mitigate sudden domestic demands, carrying concise repayment terms (typically 12 to 20 months).
2. FOSA Transactional & Short-term Advances
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FOSA Salary Account: Serves as the primary landing platform for salaries, wages, and tea/agricultural payments, positioning members to access fast liquidity.
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Mobi Loan & Flash Advance: Dedicated mobile-administered short-term loans. Flash Advances are open broadly and cleared via M-Pesa, whereas Mobi Loans target individuals routing regular pay packets directly through their FOSA accounts.
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Dividend Advance: Accessible remotely via mobile banking networks (
*850#), allowing members early liquidity matching a percentage of their anticipated annual return distributions.
Hazina SACCO’s Membership Requirements
To register an individual account with Hazina SACCO, you will need to submit:
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A completed Membership Application Form.
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A clear photocopy of your National Identity Card or valid Passport.
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A photocopy of your KRA PIN Certificate.
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The mandatory registration/entrance fee.
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A commitment to meet the baseline share capital threshold and the minimum ongoing monthly contribution requirements.
Hazina SACCO’s Support & Contact Channels
Members can track their balances, initiate internal funds transfers between FOSA and BOSA, or execute cash withdrawals via the digital ecosystem:
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USSD Code:
*850#(Requires a one-time physical or email registration form submission). -
Mobile Application: Hazina Sacco App (Available on the Google Play Store).
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Main Customer Line: +254 701 820 219 / +254 701 819 685
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Official Corporate Email: [email protected]
Hazina Sacco’s Frequently Asked Questions (FAQs) & Answers
Here are well researcherd Frequently Asked Questions (FAQs) regarding Hazina Sacco Society Ltd, a tier-1 deposit-taking SACCO serving national and county government employees, parastatals, the private sector, and organized groups.
1. Hazina Sacco’s Frequently Asked Questions on Membership & Onboarding
Who is eligible to join Hazina Sacco?
Hazina Sacco operates under an open bond. Membership is open to:
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National and County Government employees.
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State Corporations and Parastatal workers.
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Employees of Private Organizations and NGOs.
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Hazina Sacco Society staff.
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Private individuals, business owners (MSMEs), and structured investment groups (Chamas).
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Immediate family members of existing SACCO members.
What are the financial commitments upon joining Hazina Sacco ?
To activate and maintain your individual membership, you must pay:
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Registration Fee: A one-off, non-refundable fee of KES 1,000.
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Monthly Deposits: A minimum of KES 1,000 or 5% of your basic salary (whichever is higher).
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Welfare Fund (Benevolent Fund): A mandatory monthly contribution of KES 200.
What is the statutory Share Capital requirement for joining Hazina Sacco?
Share Capital represents your equity ownership in Hazina Sacco. Every member must satisfy a minimum Share Capital baseline, which increases systematically by KES 1,000 annually. As of the current structure, it builds from a base of KES 16,000 (as of Dec 2024). Share Capital is non-withdrawable but entirely transferable to another member if you choose to exit. It earns annual dividends.
What does the Hazina Sacco Members’ Welfare Fund cover?
The mandatory KES 200 monthly welfare contribution acts as a benevolent insurance policy. In the event of a demise, it provides financial relief for final expenses up to specified limits:
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Principal Member: KES 100,000
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Spouse: KES 75,000
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Children: KES 50,000 (Up to 25 years; maximum of 2 claims per year)
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Biological Parents: KES 30,000
2. Hazina Sacco’s Frequently Asked Questions on Loans & Credit Eligibility
How long must I save to be eligible for a standard loan at Hazina Sacco?
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Check-off Members: Salaried members whose employers remit directly from payroll can qualify for specific facilities (like the Jibu Loan) after their very first contribution is received.
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General Members: Private individuals and non-check-off members must make consistent monthly contributions for a minimum of four (4) months to qualify for credit.
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SACCO Transfers: If you transfer 100% of your accumulated deposits from another registered SACCO, you are treated as an existing member and become eligible for credit after your first deduction is received.
What is Hazina Sacco’s loan multiplier?
For standard Back Office Service Activity (BOSA) loans, members can borrow up to 5 times their accumulated deposits. For the specialized Super Loan, the borrowing multiplier increases up to 6 times your deposits. The absolute maximum cap for standard development facilities is KES 40 Million.
Do I always need guarantors to get a Hazina Sacco loan?
No. If the total value of the loan you are applying for is less than or equal to your unencumbered deposits, you can self-guarantee the loan using your own savings. However, you can only self-guarantee if you have not pledged your deposits to back other members’ active loans. For credit amounts exceeding your personal deposits, you must provide active members as guarantors or pledge alternative tangible collateral.
3. Hazina Sacco’s Frequently Asked Questions on Mobile & Digital Banking
What is the official Hazina Sacco Paybill and USSD code?
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M-Pesa Paybill Number:
850436 -
USSD Code:
*850#
How do I use the Paybill to deposit money or repay specific loans at Hazina Sacco ?
When making a payment via Paybill 850436, Hazina Sacco utilizes unique alphanumeric suffixes attached to your National ID number to automatically route the payment to the correct account:
| Product Type | Account Number Format Example (Using ID 12345678) |
| BOSA Monthly Deposits | 12345678DEP |
| Normal Loan Repayment | 12345678NOM |
| Flash Advance Mobile Repayment | 12345678FLA |
| Welfare Fund Contribution | 12345678WEF |
| FOSA Savings Account | 12345678SAV |
What is the difference between the Hazina Sacco’s “Flash Advance” and “Mobi Loan”?
Both are short-term digital credit platforms accessible via *850# or the Hazina Sacco App, but they serve different categories:
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Flash Advance Loan: Open to all active members. It is capped at 20% of your deposits or a maximum of KES 60,000 (graduating from KES 10,000 up to KES 60,000 based on repayment behavior). Repayment terms run between 1 to 4 months, and you pay it back manually via the M-Pesa Paybill using the
FLAsuffix. -
Mobi Loan: Restricted strictly to members who process their salaries through Hazina FOSA. It offers up to KES 60,000 or 300% of your net pay (whichever is lower) for up to 6 months. It is recovered automatically from your incoming salary at the FOSA level.
4. Hazina Sacco’s Frequently Asked Questions on Membership Exit & Retirement
What happens to my Hazina Sacco account if I retire or leave employment?
You are not required to close your account. You can seamlessly transition your status to a Private Member by maintaining a minimum monthly deposit contribution of KES 1,000 alongside your KES 200 welfare fund payment. You can also map your monthly pension disbursements directly to your Hazina FOSA account to continue enjoying credit facilities.
Can I partially withdraw my savings upon receiving a retirement letter?
Yes. Hazina Sacco allows retiring members who wish to maintain their membership to make a partial withdrawal of up to 50% of their accumulated BOSA deposits to assist with immediate retirement transition planning.
How long does it take to get a full refund when exiting the SACCO?
If you formally resign and request to fully withdraw from the society, the processing window for a full refund of your non-pledged BOSA deposits takes a standard 60 days from the date your written application is received and approved.
Is Hazina Sacco Registered by SASSRA?
Yes. The Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Deposit Taking Sacco.
What is the Hazina Sacco’s Tier?
The Sacco is registered by the Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Tier 1 Sacco.
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